{"id":90438,"date":"2026-07-07T17:47:41","date_gmt":"2026-07-07T09:47:41","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=90438"},"modified":"2026-07-10T10:08:43","modified_gmt":"2026-07-10T02:08:43","slug":"apply-youtrip-card","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/apply-youtrip-card\/","title":{"rendered":"How to Apply for a YouTrip Card in Singapore (2026)"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>No bank visit, no forms to post, you&#8217;re set up from your sofa in about three minutes.<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Signing up for YouTrip happens entirely in the app. You download it, verify who you are with Singpass, and that&#8217;s basically it. Your virtual card is ready the moment you&#8217;re approved, so you can start spending while the physical card makes its way to you.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udcf1Get started by&nbsp;scanning the QR code below with your phone:<\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"896\" height=\"1024\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/Blog-download-896x1024.png\" alt=\"YouTrip scan-to-download graphic with a QR code, App Store and Google Play badges, and the app\" class=\"wp-image-90485\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/Blog-download-896x1024.png 896w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/Blog-download-263x300.png 263w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/Blog-download-768x878.png 768w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/Blog-download-1344x1536.png 1344w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/Blog-download.png 1792w\" sizes=\"(max-width: 896px) 100vw, 896px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong><strong>Quick Answer<\/strong><\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Details<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Sign-up time<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">~3 minutes in the app<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Cost<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Free: no sign-up fee, no annual fee, free virtual and physical card<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>What you need<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">A Singapore mobile number, email address, and Singpass (or a Singapore-issued ID plus proof of address)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Minimum age<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">15, with a valid NRIC or FIN<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Approval<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Usually 1 to 2 working days<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Virtual card<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Ready instantly on approval, spend online right away<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Physical card<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Delivered in 5 to 7 working days<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Promo code<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Enter <strong>&lt;YTBLOG5&gt;<\/strong> at sign-up for free S$5 YouTrip credits<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"toc\" class=\"wp-block-heading\"><strong>What&#8217;s in This Guide<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#before\"><strong>What You Need Before You Sign Up<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#signup\"><strong>How to Apply for a YouTrip Card (Step-by-Step)<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#approval\"><strong>How Long Does YouTrip Take to Approve?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#activate\"><strong>How to Activate Your YouTrip Card<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#wallet\"><strong>Setting Up Your Wallet Before You Travel<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#first-use\"><strong>Using YouTrip for the First Time<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#faqs\"><strong>FAQs<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"before\" class=\"wp-block-heading\"><strong>What You Need Before You Sign Up<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">You need three things: a <strong>Singapore mobile number, an email address, and a way to prove your identity<\/strong>. For most people, that&#8217;s Singpass, which pulls your details in automatically. Everything happens inside the app, so there&#8217;s nothing to print, sign, or post.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Who Can Sign Up (Age and Eligibility)<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Anyone <strong>aged 15 and above<\/strong> in Singapore with a valid <strong>NRIC or FIN<\/strong> can apply. There&#8217;s no income requirement and no minimum balance to keep. Singaporeans, PRs, and foreigners legally residing here are all eligible.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re signing up for your kids, that&#8217;s a separate product. YouTrip Family gives children their own card under a parent&#8217;s account, and it works a little differently from the standard sign-up below.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Related Guide: Getting the kids their own travel card? Our <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/about-youtrip-family\/\">YouTrip Family guide<\/a><\/strong> covers the child account for ages 7 to 18 and how parents manage the spending.<\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Singpass MyInfo vs Manual Sign-Up<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">There are two ways to verify yourself, and one is much faster than the other.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Singpass MyInfo (recommended).<\/strong> MyInfo pulls your government-verified details straight into the form, so you skip the typing and don&#8217;t need to upload any documents. It&#8217;s open to <strong>Singaporeans and foreigners<\/strong> with a Singpass account. Accepted passes include the Employment Pass, S Pass, Work Permit, Student Pass, Dependant&#8217;s Pass, Long Term Visit Pass, EntrePass, Immigration Exemption Order, and Training Work Permit.<br><br><\/li>\n\n\n\n<li><strong>Manual sign-up.<\/strong> No Singpass or on a <strong>Work Holiday Pass<\/strong>? You&#8217;ll do it by hand instead. Have a physical copy of your Singapore-issued ID ready, plus <strong>proof of address dated within the last 6 months<\/strong> (a utility or telco bill works).<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The steps are nearly identical either way. The only real difference is that MyInfo fills in your details for you, while the manual route asks you to photograph your ID and record a quick verification video.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Related Guide: Weighing up your options first? Our <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-multi-currency-cards-singapore\/\">best multi-currency cards in Singapore<\/a><\/strong> guide lines them all up side by side.<\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"signup\" class=\"wp-block-heading\"><strong>How to Apply for a YouTrip Card (Step-by-Step)<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Signing up takes about three minutes and runs entirely in the app. Here&#8217;s the full flow from download to submitted application.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"schema-how-to wp-block-yoast-how-to-block\"><p class=\"schema-how-to-description\"><\/p> <ol class=\"schema-how-to-steps\"><li class=\"schema-how-to-step\" id=\"how-to-step-1783413311556\"><strong class=\"schema-how-to-step-name\"><strong>Download the App on the <a href=\"https:\/\/apps.apple.com\/us\/app\/youtrip\/id1228562274\">App Store<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=co.you.youapp&amp;hl=en\">Google Play<\/a> and Verify Your Number<\/strong><\/strong> <p class=\"schema-how-to-step-text\"><br>Download the YouTrip app, open it, and tap <strong>Get Started<\/strong>. On the &#8220;Where are you based?&#8221; screen, select <strong>Singapore<\/strong>. Enter your mobile number and you&#8217;ll get an SMS one-time password (OTP) to confirm it. Next, enter your email address and tap the verification link we send you.<br><br><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1783413323228\"><strong class=\"schema-how-to-step-name\"><strong> Verify Your Identity (Singpass or Manual)<\/strong><\/strong> <p class=\"schema-how-to-step-text\"><br><strong><span style=\"text-decoration: underline\">With Singpass MyInfo:<\/span><\/strong><br><br>&#8211; Select <strong>Retrieve MyInfo with Singpass<\/strong> and log in with your Singpass account.<br>&#8211; Review the information you&#8217;re sharing and tap <strong>I Agree<\/strong>.<br>&#8211; Check that everything displayed is correct.<br><br><strong><span style=\"text-decoration: underline\">Signing up manually:<\/span><\/strong><br><br>&#8211; Select <strong>Continue without Singpass<\/strong>.<br>&#8211; Submit photos of the front and back of your NRIC (Singaporeans and PRs) or your Singapore-issued ID (foreigners).<br>&#8211; Take a short live recording of your face, turning your head slowly to each side.<br>&#8211; Enter your personal details and residential address. Type them exactly as they appear on your ID so approval isn&#8217;t held up.<br>&#8211; Foreigners also upload a proof of address dated within the last 6 months.<br><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1783413366262\"><strong class=\"schema-how-to-step-name\"><strong>Confirm Your Details and Submit<\/strong><\/strong> <p class=\"schema-how-to-step-text\"><br>Enter the <strong>preferred name<\/strong> you&#8217;d like printed on your card, then send off your application. That&#8217;s the whole sign-up done. Now it&#8217;s just a short wait for approval.<br><\/p> <\/li><\/ol><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Related Guide: Curious how YouTrip&#8217;s rates actually work? Our <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/how-to-get-the-best-exchange-rate-in-singapore\/\">best exchange rate in Singapore guide<\/a><\/strong> breaks down the wholesale rate.<\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"approval\" class=\"wp-block-heading\"><strong>How Long Does YouTrip Take to Approve?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Approval usually takes <strong>1 to 2 working days<\/strong> once you&#8217;ve submitted everything. You can see your expected approval date on the app&#8217;s home screen, and you&#8217;ll get a push notification the moment your account is processed.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">You don&#8217;t wait around cardless, though. Once you&#8217;re approved and you&#8217;ve verified your email, your <strong>virtual card is issued for free straight away<\/strong>, ready for online or contactless spending through <a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-card-with-apple-pay-in-singapore\/\" id=\"58605\">Apple Pay<\/a> or <a href=\"https:\/\/www.you.co\/sg\/blog\/google-pay-is-here\/\" id=\"61766\">Google Pay<\/a>. The <strong>physical card<\/strong> then arrives by post to your mailing address in <strong>5 to 7 days<\/strong>.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">If your details don&#8217;t quite match your documents, approval can take a little longer while we sort it out. Entering everything exactly as it reads on your ID is the easiest way to keep things moving.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Related Guide: While you wait, sort your trip cover too. Our <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/travel-insurance-singapore\/\">travel insurance in Singapore guide<\/a><\/strong> covers what&#8217;s actually worth paying for.<\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"activate\" class=\"wp-block-heading\"><strong>How to Activate Your YouTrip Card<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Activation is quick. Here&#8217;s everything you need to know:<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Activating Your Virtual Card<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"779\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/image-3.png\" alt=\"The YouTrip virtual card shown in front of the app&apos;s Cards screen on a phone\" class=\"wp-image-90446\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/image-3.png 1024w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/image-3-300x228.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/image-3-768x584.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Your virtual card is automatically activated and available for use the moment you confirm your email and set up your app. Top up, add to Apple Pay or Google Pay, and you&#8217;re ready to start spending while waiting for your physical card to arrive.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Activating Your Physical Card<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/image-2.png\" alt=\"The purple YouTrip physical Mastercard beside the app&apos;s recent transactions list\" class=\"wp-image-90445\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/image-2.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/image-2-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/07\/image-2-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">When the physical card arrives, activate it in the app before you can tap or swipe.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tap the <strong>&#8216;Cards&#8217;<\/strong> icon on the app home screen.<\/li>\n\n\n\n<li>Tap <strong>&#8216;My card has arrived&#8217;<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>Y-number<\/strong> printed on the back of your card. This is a short serial number used only for activation, not your actual card number.<\/li>\n\n\n\n<li>Create a <strong>4-digit ATM and Card PIN<\/strong> for <a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-withdrawal-guide\/\" id=\"81580\">overseas ATM withdrawals<\/a>.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">That 4-digit ATM PIN is separate from your 6-digit app passcode, and you&#8217;ll want it set before you fly, because it&#8217;s the PIN you&#8217;ll key in at overseas ATMs.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Related Guide: Sorting your trip data too? Our <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-esim\/\">YouTrip eSIM guide<\/a><\/strong> covers staying connected abroad without the roaming bill.<\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"wallet\" class=\"wp-block-heading\"><strong>Setting Up Your Wallet Before You Travel<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Your card&#8217;s active, but it can&#8217;t spend anything until there&#8217;s money in the wallet. Topping up takes seconds.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Topping Up <\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">You can add money four ways: <strong>PayNow QR, a linked bank account, a linked debit or credit card, or Apple Pay<\/strong>. Most of these are completely free. <\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Top-up method<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Fee<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">PayNow<\/td><td class=\"has-text-align-left\" data-align=\"left\">Free<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Linked bank account<\/td><td class=\"has-text-align-left\" data-align=\"left\">Free<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Mastercard debit or credit<\/td><td class=\"has-text-align-left\" data-align=\"left\">Free<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Visa debit<\/td><td class=\"has-text-align-left\" data-align=\"left\">Free<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Visa credit card<\/td><td class=\"has-text-align-left\" data-align=\"left\">1.5% service fee<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Topping up with a <strong>Visa credit card<\/strong> adds a 1.5% service fee that can&#8217;t be waived. Everything else is free, so PayNow or a linked bank account is the way to go. One heads-up: if you&#8217;re logging in from a new device, there&#8217;s a 12-hour cooling period before your first top-up via a linked bank or card.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Adding YouTrip to Apple Pay or Google Pay<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">You can add <strong>both<\/strong> your physical and virtual cards to Apple Pay and Google Pay. Once it&#8217;s in your phone wallet, you can tap to pay overseas before the physical card even arrives, which is handy if you&#8217;re travelling soon after signing up.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Setting Your ATM PIN<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">If you didn&#8217;t set your 4-digit ATM and Card PIN when you activated the physical card, do it now. It&#8217;s the PIN you&#8217;ll use to withdraw cash from overseas ATMs, and you don&#8217;t want to be sorting it out at a machine abroad.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Related Guide: Heading to JB first? Our <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/malaysia-atm-withdrawal\/\">Malaysia ATM withdrawal guide<\/a><\/strong> shows exactly how the free S$400 monthly allowance works on the ground.<\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"first-use\" class=\"wp-block-heading\"><strong>Using YouTrip for the First Time<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Once you&#8217;re topped up, YouTrip works like any contactless card, just without the foreign transaction fees. Tap it, swipe it, pay online with it, or add it to your mobile wallet. There&#8217;s <strong>0% FX fee<\/strong> on overseas spending, billed at the <a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-exchange-rates\/\" id=\"75556\">Mastercard wholesale rate<\/a>.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A few things worth knowing before your first trip:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Withdraw local cash from an ATM overseas<\/strong>, not a money changer. Your first <strong>S$400 of overseas ATM withdrawals each calendar month is free<\/strong>, then it&#8217;s 2% on anything above that. The allowance resets on the 1st. Money changers quietly bake a markup into their rate, usually a few percent, which is exactly what YouTrip&#8217;s wholesale rate skips.<br><br><\/li>\n\n\n\n<li><strong>Lock in a rate ahead of time<\/strong> for the currencies YouTrip holds. Heading to Japan? You can convert your yen in advance in the app and lock the rate, handy when the <a href=\"https:\/\/www.you.co\/sg\/blog\/from-sgd-to-yen\/\">SGD to JPY rate<\/a> is in your favour. The same works for a JB run and the <a href=\"https:\/\/www.you.co\/sg\/blog\/from-sgd-to-myr\/\">SGD to MYR rate<\/a>.<br><br><\/li>\n\n\n\n<li><strong>Keep enough SGD in your wallet.<\/strong> If your SGD runs low mid-payment, YouTrip auto-converts from your other balances to cover it, which isn&#8217;t always the rate you&#8217;d pick. Topping up a bit of SGD buffer avoids that.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">For places where cards aren&#8217;t king, YouTrip still fits. You can link it for spending in China via <a href=\"https:\/\/www.you.co\/sg\/blog\/how-to-use-alipay-in-china\/\">Alipay<\/a> and <a href=\"https:\/\/www.you.co\/sg\/blog\/how-to-use-wechat-pay-in-china\/\" id=\"63706\">WeChat Pay<\/a>, or top up a transit card like the <a href=\"https:\/\/www.you.co\/sg\/blog\/octopus-card-hong-kong\/\">Octopus card in Hong Kong<\/a> or the <a href=\"https:\/\/www.you.co\/sg\/blog\/top-up-virtual-suica-card-in-japan-via-apple-pay-with-youtrip\/\" id=\"59555\">Suica<\/a> and <a href=\"https:\/\/www.you.co\/sg\/blog\/icoca-card-japan\/\" id=\"81694\">ICOCA card<\/a> in Japan.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">And if you chase miles at home, YouTrip pairs neatly with a rewards card. Our <a href=\"https:\/\/www.you.co\/sg\/blog\/best-singapore-credit-card\/\">best credit cards in Singapore roundup<\/a> covers the local-spend options worth holding alongside it.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"faqs\" class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1783412936862\"><strong class=\"schema-faq-question\">Q: <strong>Is it free to sign up for YouTrip?<\/strong> <\/strong> <p class=\"schema-faq-answer\">Yes, completely. There&#8217;s no sign-up fee, no annual fee, and both your virtual and physical cards are free. The only fees you might meet are a 1.5% top-up charge on Visa credit cards and the 2% overseas ATM fee after your first free S$400 each month.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783412936863\"><strong class=\"schema-faq-question\">Q: <strong>Which bank is YouTrip under?<\/strong> <\/strong> <p class=\"schema-faq-answer\">YouTrip isn&#8217;t a bank. It&#8217;s a major payment institution licensed by the Monetary Authority of Singapore (MAS) under the Payment Services Act, and a Principal Member of Mastercard. Your money sits in dedicated safeguarding accounts at DBS and Standard Chartered, kept separate from YouTrip&#8217;s own company funds.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783412936864\"><strong class=\"schema-faq-question\">Q: <strong>Can I use YouTrip without the physical card?<\/strong> <\/strong> <p class=\"schema-faq-answer\">Yes. Your virtual card is ready the moment you&#8217;re approved, so you can shop online straight away. Add it to Apple Pay or Google Pay and you can tap to pay in stores too, all before the physical card arrives.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783412936865\"><strong class=\"schema-faq-question\">Q: <strong>How much can I hold in my YouTrip wallet?<\/strong> <\/strong> <p class=\"schema-faq-answer\">You can hold up to <strong>S$20,000<\/strong> (or the equivalent in other currencies) at any time, with an annual top-up limit of <strong>S$100,000<\/strong> every 365 days. Overseas ATM withdrawals are capped at S$5,000 a day, and card spending itself has no daily transaction limit.<\/p> <\/div> <\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"conclusion\" class=\"wp-block-heading\"><strong>We&#8217;re Ready When You Are<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/standard-blog-size-24.png\" alt=\"Smartphone showing the YouTrip app held against a neon-lit Hong Kong street with a 7-Eleven at night\" class=\"wp-image-88281\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/standard-blog-size-24.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/standard-blog-size-24-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/standard-blog-size-24-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s the whole journey: download, verify with Singpass, activate, top up, and you&#8217;re ready to tap your way through your next trip with no FX fees getting in the way. The virtual card means you don&#8217;t even have to wait for the post to start spending.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Not a YouTrooper yet? Singapore&#8217;s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and get a free YouTrip card + S$5 YouTrip credits with code <strong>&lt;YTBLOG5&gt;<\/strong>.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Then, head over to our <a href=\"https:\/\/www.you.co\/sg\/perks\/\">YouTrip Perks<\/a> page for exclusive offers and promotions \u2014 we promise you won&#8217;t regret it. Join our <a href=\"https:\/\/t.me\/YouTripSG\">Telegram (@YouTripSG)<\/a> and <a href=\"https:\/\/t.me\/youtrip\">Community Group (@YouTripSquad)<\/a> for travel tips, event invites, and more!<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Happy travels!<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>sign up now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.you.co\/sg?utm_source=youtrip_blog&amp;utm_medium=banner&amp;utm_campaign=blog_footer&amp;utm_term=&amp;utm_content=\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"160\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png\" alt=\"\" class=\"wp-image-59000\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-300x66.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-600x132.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.you.co\/biz\/?utm_source=youtrip&amp;utm_medium=banner&amp;utm_campaign=blog-footer&amp;utm_content=youbiz&amp;acq=BM&amp;sub_acq=BlogFooter&amp;ad_type=Article_Awa\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png\" alt=\"\" class=\"wp-image-44716\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-300x37.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-600x74.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s how to get started \ud83d\udc9c<\/p>\n","protected":false},"author":75,"featured_media":57321,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[39140],"class_list":["post-90438","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-product","tag-youtrip"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/90438","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=90438"}],"version-history":[{"count":5,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/90438\/revisions"}],"predecessor-version":[{"id":90651,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/90438\/revisions\/90651"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/57321"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=90438"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=90438"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=90438"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}